Lake Shore Bancorp vs SR Bancorp
SR Bancorp is the larger business, with $33.4m of revenue in fiscal 2026 against $27.8m for Lake Shore Bancorp (1.2 times as much). Lake Shore Bancorp grew faster (14.2% against 0.4%). Lake Shore Bancorp kept more of each dollar of sales as profit: a net margin of 26.1% against 10.0%.
| Latest fiscal year | Lake Shore BancorpLSBK, 2025 | SR BancorpSRBK, 2026 |
|---|---|---|
| Revenue | $27.8m | $33.4m |
| Revenue growth | 14.2% | 0.4% |
| Net income | $7.3m | $3.4m |
| Operating margin | — | — |
| Net margin | 26.1% | 10.0% |
| Return on equity | 6.3% | 1.8% |
| Free cash flow | — | $9.9m |
| Cash | $64.3m | $71.5m |
| Total debt | $0 | $65.0m |
| Debt to equity | — | — |
| Dividend per share | $0.31 | $0.21 |
| Dividend yield | — | 1.1% |
| Share buybacks | $53,000 | $16.0m |
| Employees | 87 | 115 |
| Market value | $150m | $150m |
| Price vs our value range | — | — |
| Moat score | — | — |
| Insider trades, 12 months | 0 buys, 0 sales | 17 buys, 0 sales |